While I was at a new insureds home yesterday they asked how many smoke detectors were enough. My answer was "Lots!" Here is what I found on a government web site http://www.usfa.fema.gov/downloads/pyfff/smkalarm.html. If you don't want to go here, my personal rule of thumb is in every bedroom, in hall ways, in the kitchen, near any probably source of fire (gas logs, furnace, etc.) Perhaps this is over kill but I don't want anybody dieing in my house because they didn't here a smoke alarm.

Tuesday, March 20, 2012

I deal with folks buying new homes everyday, it is gratifying to help them achieve the "American Dream". Unfortunately, with the economic downturn, we have seen our share of foreclosures and short sales.
Perhaps our "American Dream" has lost touch with reality. Due to the recent hurricane and fears of future hurricanes homeowners insurance rates are going through the roof with all carriers. Why, in a large part because of roofs. In our small office we paid out over $2,000,000 during Hurricane Irene with most of that being for roofs. Honestly, a lot of those roofs we replaced should have been replaced by the homeowners years ago but do to our culture/economic/tax system/government programs alot of us have homes that , if we are fortunate enough to be able to afford the 30 year mortgage payment, we can't afford to maintain.

About Us

The Cline Hall Agency, Inc. is an independent insurance agency proudly representing the Erie Insurance Group, Progressive and other fine companies. By representing several companies, we are able to provide you with one-stop convenience for all of your insurance needs at the most affordable rates.